For a Limited Time receive a FREE Safety Special Report on the "50 Tips For More-Effective Safety Training." Receive 75 pages of useful safety information broken down into three training sections. Download Now

Religious objections. An employee whose religion forbids insurance benefits may be exempted, but only if the religious group makes some provision for injured workers.

"No-fault" system. Workers' compensation is a no-fault system. Unlike traditional legal mechanisms for compensating accident victims, which limit recovery to cases in which the victim's injuries result from some other person's negligence, workers' compensation laws allow employees to collect without regard to fault, simply by showing that the injury arose "out of and in the course of employment." Compensation is guaranteed in such cases. It doesn't matter that the employee (or a co-worker) was partly at fault, nor does it matter that the employee knew the job was risky. "Contributory negligence," "assumption of risk," and other defenses normally used by defendants in accident cases do not apply to on-the-job injuries. In return for this guarantee of compensation, employees give up the right to sue the employer for damages, thus effectively limiting the employer's liability for workplace injuries.

What Is an 'Injury'?

The term "injury" has a specialized meaning in the workers' compensation statute. While most people think of an injury as the result of a specific ...

Workers' Compensation Products

Compensation.BLR.comCompensation.BLR.com will help you price jobs competitively and comply with FLSA and wage and hour laws in your state. Get reliable salary data in seconds, along with the answers to complex state overtime compliance questions in one easy to use website. Get a VIP tour - call 1 800 454-0404"

Employee Compensation in [Your State]This comprehensive resource solves your two biggest headaches in employee compensation. It gives you wage and hour law explanations and comparisons between state and federal. Saves you time and worry, makes sure you pay competitively.